Savings account rates › Laboratories Credit Union
Savvy Saver
Laboratories Credit Union
CDR officialNot ranked in rate tables
Reach your savings goals faster with bonus interest rate by making a minimum deposit of $200 and no withdrawals during the month
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 4.00% | Bonus · $0–$100,000 | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables | CDR | 1 Nov 2026 |
| 3.90% | Bonus · $100,000–$500,000 | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables | CDR | 1 Nov 2026 |
| 3.80% | Bonus · $500,000–$1,000,000 | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables | CDR | 1 Nov 2026 |
| 3.70% | Bonus · $1,000,000 or more | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables | CDR | 1 Nov 2026 |
| 0.01% | Variable · $0–$100,000 | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
| 0.01% | Variable · $100,000–$500,000 | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
| 0.01% | Variable · $500,000–$1,000,000 | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
| 0.01% | Variable · $1,000,000 or more | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S34_SAVVY_SAVER_ACCOUNT- Content hash
sha256 aafe3bdb99f133a5cebc8a2e9745c75556388cb38afc44763c0377e52d1c7dbe- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_aafe3bdb99f133a5_fa2874f5Show details
- Checked
- 1 Nov 2026
- URL
https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S34_SAVVY_SAVER_ACCOUNT- Content hash
sha256 aafe3bdb99f133a5cebc8a2e9745c75556388cb38afc44763c0377e52d1c7dbe- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | ||
| Npp payid | ||
| Npp enabled | ||
| Bill payment | Pay bills from this account | Pay bills from this account |
| Notifications | SMS/Email Alerts - Set up SMS or email alerts for credits, debits, logins to your account and more | |
| Other | BPAYView - Receive your bills directly to your internet banking and pay with one click | |
| Other | Government Guarantee - Under the FCS certain deposits are protected up to a limit of $250,000 for each account holder at any bank, building society, credit union or other authorised deposit-taking institution (ADI) that is incorporated in Australia and authorised by the Australian Prudential Regulation Authority (APRA). | |
| Other | Receive international payment to your account through Western Union. No fee for sender or receiver. | |
| Other | Send International Payments self serve through your internet banking or staff assisted | |
| Other | International exchange on foreign cheques and cash | |
| Other | International purchase foreign draft | |
| Other | International purchase foreign cash | |
| Other | International Prepaid MasterCard Cash Passport | |
| Other | Overdrawn accounts (with a balance below $0.00) will be charged the current lending rate applicable to the account. See Lending Rates above. | |
| Other | Free LCU counter cheque - order a counter cheque online or in person at no cost. | |
| Other | Direct Debit facility available - allow a third party to transfer money from your account, typically to pay bills eg. Phone, energy, gym | |
| Other | Direct Credit facility available - automatically credit your LCU account with funds from another bank account | |
| Other | Card control - Lock and unlock your Visa card with the LCU - Banking App | |
| Other | Periodic Payments - Schedule one off or re-occuring payments from your account | |
| Other | Direct credit allocation - Split your payroll or other regular payments received to your account to different sub accounts. | |
| Eligibility: natural person | ||
| Eligibility: residency status | If not an Australian resident, you must complete a Tax Residency Declaration | |
| Eligibility: other | Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. "Own your Bank". $10 share is refunded if you choose to close your account. | |
| Eligibility: other | To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may be eligible to join if you: work or live in the greater Ryde area; have an association with Riverside Corporate or Macquarie Park; or work in a STEM industry. |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Bonus · $100,000–$500,000 | 1 Nov 2026 | Current | 3.90% |
| Variable · $100,000–$500,000 | 1 Nov 2026 | Current | 0.01% |
| Bonus · $1,000,000 or more | 1 Nov 2026 | Current | 3.70% |
| Variable · $0–$100,000 | 1 Nov 2026 | Current | 0.01% |
| Bonus · $500,000–$1,000,000 | 1 Nov 2026 | Current | 3.80% |
| Variable · $500,000–$1,000,000 | 1 Nov 2026 | Current | 0.01% |
| Variable · $1,000,000 or more | 1 Nov 2026 | Current | 0.01% |
| Bonus · $0–$100,000 | 1 Nov 2026 | Current | 4.00% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
pricing:bonus-unstated | Bonus conditions in the lender's own words | A total rate can't be worked out, so the product is display only |
bonus-conditions-free-text | Reason this product is not ranked | |
bonus-base-relationship-unstated | Reason this product is not ranked | |
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
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